And to add on crypto. It is 2.5% of my assets now.

I would recommend not allocating more than 10% of your capital on alternate assets.

I know it is always hard to time the market and folks encourage holding crypto forever.

The approach I take is to sell my crypto once I make 20% of return using limit orders. As soon as I sell I create a new limit order to buy at 10% price discount to price I sold my crypto. I repeat this checking my portfolio once a day and on average have found myself making an extra 25% return with this strategy.

The other thing is I rotate into only alt coins that are established like litecoin when they have not appreciated enough relative to bitcoin.